BEEN TRYING TO DO A SHORT SALE FOR THE PAST 3 YEARS, 02-08 TO 04-11. JUST RECENTLY I'M TRYING TO DO A DEED N LIEU AND STILL CANNOT GET A FINAL OR DEFINITIVE ANSWER FROM BANK OF AMERICA, MONTH TO MONTH IS A DIFFERENT STORY AND ONE DEPARTMENT DOES NOT KNOW WHAT THE OTHER DEPARTMENT IS DOING.
IT LOOKS LIKE THEY CHANGE THE RULES AS THE GO.

Let me start off by saying, I'd have loved to post my complaint directly to Bank of America's website… but they require a login before doing so, and unfortunately the inability to log in is the crux of my problem. Too bad BOA, your system is biased against people having problems with your website.

***

Here's what happened. I had a semi-urgent task to complete in Online Banking, and upon logging in the same way I always had, the site kept telling me "You have not entered your Online ID. Please do so and click the Sign In button."

I had indeed selected my ID. The site just wasn't acknowledging it.

The response that I was given was that "you are an esteemed Private Wealth Management customer" and "Though it is a privilege to assist customers like you, our bank has marked your accounts to receive assistance from our Relationship Manager appointed especially to manage your accounts."

Fine. Frustrating that my "esteemed" status required me to jump through more hoops, but oh well. So, what's the contact information of my Relationship Manager?

The response to this question - TWICE - was to "call us at 1.800.878.7878 and receive the same dedicated assistance. We are available 7 a.m. to 10 p.m. Monday through Friday Eastern Time."

The second time really bothered me; clearly BOA has not empowered its customer service staff to think for themselves, so she just went right back to the script and posted an identical answer **and I mean identical** a second time.

At that point, I'd had it. When I need access to my account, I need access to my account. Bank of America, you can either make this easy on me, or hard on me. I don't have time to jump through hoops at 850am on a work day. BOA completely failed me today.

Received a notice from Bank of America today that they are lowering my credit limit due to delinquency with one of their affiliates. This problem started in Feb when their automatic payment system didn't kick in because the due date of the payment falls on a Saturday. I had instituted Auto Pay for years and suddenly 2/19 which was a Saturday caused me problems. I called and checked, the representative told me that it happens to several others because sometime during the year an Autopay schedule will fall on either a weekend or a holiday. Rep said, don't worry it has been taken cared of, it won't affect your account adversely, 3/19 was coming so I said do I have to make an advance payment on the 18th so this will not happen again, the Rep said, no you don't have to do anything to disturb the already scheduled payment, it will reverse itself and it will not affect your credibility neither will reflect a late payment on your side. WRONG assurance, if that Rep reading this right now. YOU gave me a false reassurance because 3/19 payment didn't even kick in. I again received a letter stating that I have a LATE PAYMENT! It took me almost an hour talking with the Representative (Ian) to have this problem taken cared of. I so thought it was all of it. Ian (Rep) promised me, it won't affect me adversely, neither would those "LATE PAYMENTS" be in my permanent record. He offered to write a note that those late payments were not my fault. It was their faulty AUTOMATIC payment system that caused all these problems, yet I have to deal with the long conversations with the Representatives.

Today, when I received the letter saying that they are lowering my credit limit because I have delinquent payments with one of their affiliates? I just made the call and their Representative (Jenna) of the Cleveland Office said it was related to that AUTOMATIC pay (LATE PAYMENTS) that triggered their lowering down my Credit Limit. Bank of America, it was not my fault. it is your AUTOMATIC payment system that caused all these and now YOU are getting back at me? BEWARE consumers! I am checking if anybody else has similar experience, or has filed any CLASS ACTION. We have to fight back, we had been too loyal to BOA but they don't care about that anyway. I am so disappointed! BIG TIME!

We submitted our application for a loan modification with Bank of America on September 9th of 2010. This was after an initial rejection the previous summer and a subsequent call suggesting we apply again. Now, after seven months of dickering and constantly asking for more and more information we have been told that our request has been denied and that our hardship was not severe enough. Given that I went from a nearly six figure income in 2009, to $10K in 2010 as an under employed salesperson, I am at a loss to understand what then constitutes a hardship? We are living off our savings and the income of my invalid mother who I care for in our home 24/7. I left my last employer after they slashed my pay and had to bring my mother into my home to care for her as I could no longer pay to have her cared for at an assisted living facility. I do not collect unemployment nor any other financial assistance to help care for my mother. I refuse to place her in a nursing home as the quality of care in such facilities here in Georgia is, on the average, substandard. I promised her I would care for her as long as I am able. We are barely getting by and it is only by withdrawing money from our 401K that we have managed to survive this last year and a half. But at this point our savings are almost gone and yet we are being told our hardship is not severe enough. I only wish we had the same opportunities the banks had when they applied for their bailout money back in 2008. They filled out a two page request form and simply had to ask how much they wanted. At this point I am not sure what we can do. If I could refinance it would probably help, but with my current income situation, and the size of my mortgage, no financial institution in their right mind would consider me regardless of how current we are on all our bills. We have not had a late payment in many years but that could easily change here once our savings are gone. I am just frustrated and to put it mildly, annoyed at a system that favors the rich at the expense of everyone else.

Discrimination report that happened
The bank of America
In Kirkland WA.
Antonio r filho
9415 ne 40th st
Yarrow point WA 98004
(425)216-3569
(425)214-2996 [email protected]

On May 15th 2009 I went to the bank of America in Kirkland WA to deposit my check of
1054.29 which I do weekly after I get my pay check. That Friday I went to the drive through
And talked to this lady called DONNA and she greeted me and after receiving my check she
Said that, because of the new policy she would put a hold on my check for 5 day because
My check was not a bank of America check. I was confused because I never had this kind
Of problem and a week before my wife had deposited the same amount and the same
US BANK kind of checks and had no problem. I told her that I would want the whole amount
Available right away and she repeated “NO YOU CAN’T “. Then I said I want to see the manager.
I went inside to see the manager and He told me the same thing. That I could not cash that
Check and that they would put a hold for 5 days on my check.
I went my way but I called the customer service of bank of America, and they told me that they
Never her that the bank was putting a hold on checks that were not from bank of America and
That I should go to any other bank and they should be able to help me. I went another bank of
America and they said that this is not a policy that BANK OF AMERICA adopts.
At that point I noticed that I just had been a victim of racial PROFILING and I had an idea.
My wife was home with my son and I called her and asked her to help me to deposit and cash
Some money. The only difference is that SHE IS WHITE and I thought that was the issue my
Skin called and probably the fact the I’m DARK SKIN MALE.
She came with me to the same Bank in Kirkland and went in the bank
With the same check BUT THIS TIME THEY DEPOSIT AND GAVE HER 375 CASH BACK.
There was never a question or about the check and it was the same Check that I tried
To deposit 55 minutes before. I talked to the manager and he got very defensive but
Never apologized to me and my Family.


I would like for someone to help me to get this story on the media either local
Or Nacional of HOW BANK OF AMERICA AFTER TAKING A BAILOUT FROM US
IS TREATING THE AMERICAN PEOLPLE. I do pay my taxes and I am an American citizen.


Thank you.